The credit union movement began more than 150 years ago with a simple idea - that people could achieve a better standard of living for themselves and others by pooling their savings and making loans to neighbors and co-workers. The credit union movement began in the United States in 1909 when the first credit union was formed in Manchester, New Hampshire.
Credit unions serve many people left unserved by traditional banking institutions and provide an alternative to the oppressive loan rates charged by predatory lenders. Today's credit unions remain unique financial institutions with a "not for profit but for service" operating philosophy. Annual polls show that credit unions lead the financial community year after year by providing top quality personal service to millions of Americans.
Credit unions serve many people left unserved by traditional banking institutions and provide an alternative to the oppressive loan rates charged by predatory lenders. Today's credit unions remain unique financial institutions with a "not for profit but for service" operating philosophy. Annual polls show that credit unions lead the financial community year after year by providing top quality personal service to millions of Americans.
Services
Additional Account Services
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If you write a check for more than your account balance, available funds in your Share (Savings) Account will be automatically transferred to your Share Draft (Checking) Account for a small fee. Apply up to $1,000 Overdraft Protection Line of Credit to protect your good credit and increase your borrowing power.
Additional Loan Services
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Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances. This protection could cancel your loan balance or payments up to the contract maximums. Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.
Certificate Accounts
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Certificate accounts pay a higher interest rate and are available in terms ranging from 6 months to 5 years. There is a $1,000 minimum balance and interest is paid monthly. When your certificate come due, we will send you a notice and give you ten business days to cash or change the terms of the certificate.
Youth Accounts
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One of the most important lessons you can teach your child is money management. Let Cochise Credit Union help with our youth share accounts. A youth membership can be opened with as little as $5.00, which stays in the account throughout membership. When the child or teen reaches their 18th birthday, we convert this account into a regular Membership Share Account.
VISA Debit/VISA Prepaid
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Your Cochise VISA Debit Card lets you use your Share Draft (Checking) Account to pay for everyday purchases, without the hassle of writing a check. Your VISA Card also acts as an ATM Card for 24-hour access to your Share Draft (Checking) and Share (Savings) Account. Our CUMONEY Visa Everyday Spend Card is the prepaid debit card that lets you load, reload and relax with money management tools that help you stay within your limits.
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